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HOME REPORT 1. Single Survey 2. Energy Performance Certificate 3. Mortgage Valuation 4. Property Questionnaire 32 Rutland Square, Edinburgh, EH1 2BW www.davidadamsongroup.com 12/1 Calder Grove, Edinburgh, EH11 4NA

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Page 1: Front Cover NEW (inc MV)Both space heating and domestic hot water are provided by a gas fired central heating system. The central heating boiler is located in the kitchen and serves

  

     HOME REPORT                 

 

 

1. Single Survey 

2. Energy Performance Certificate 

3. Mortgage Valuation 

4. Property Questionnaire 

  

32 Rutland Square, Edinburgh, EH1 2BW 

 www.davidadamsongroup.com 

12/1 Calder Grove, Edinburgh, EH11 4NA

 

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 single survey 

  

 

   Survey report on:  

Property address  12/1 Calder Grove Edinburgh EH11 4NA 

 

Customer  Mr Denis Carrigan 

 

Customer address c/o Purple Bricks Edinburgh 

 

Date of Inspection 21st June 2016 

 

Prepared by  David Adamson & Partners Limited Chartered Surveyors 32 Rutland Square 

Edinburgh EH1 2BW 

Tel: +44(0)131 229 7351 Fax: +44(0)131 228 4523 

 Email: [email protected] 

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1. INFORMATION AND SCOPE OF INSPECTION 

 This section tells you about the type, accommodation, neighbourhood, age and construction of the property.  It also tells you about the extent of the inspection and highlights anything that the surveyor could not inspect.   Unless otherwise stated within this report, all parts of the Property are subject to a visual inspection  from  within  the  property  without  the  need  to  move  any  obstructions  and externally  from ground  level within the site and adjoining public areas.   Any references to left or right are taken facing the front of the property.  The  inspection  is  carried out without  causing damage  to  the building or  its  contents and without  endangering  the occupiers or  the  surveyor.   Heavy  furniture,  stored  items,  floor coverings and  insulation are not moved.   Unless  identified  in  the  report  the  surveyor will assume  that  no  harmful  or  hazardous  materials  or  techniques  have  been  used  in  the construction.  The presence or possible consequences of any site contamination will not be researched.  Services  such  as  TV/cable  connection,  internet  connection,  swimming  pools  and  other leisure facilities etc. were not inspected or reported on. 

 Description  Purpose built ground floor flat in a 4/5 storey residential block.  

   

Accommodation  Ground  Floor:  Livingroom,  2  Bedrooms,  Boxroom/Walk‐in Cupboard,  Kitchen,  Bathroom  with  WC  Facility,  Hall  and Storage Space.   

   

Gross internal floor area (m2) 

Approximately 69 sq m. 

   

Neighbourhood and location 

Established  Local Authority  residential  area.   Most  amenities can  be  found  locally.    Public  transport  is  available  within walking distance.   

   

Age  Approximately 45‐50 years old. 

   

Weather  Dry but overcast. 

   

Chimney stacks  Not Applicable. 

   

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Roofing including roof space 

Sloping  roofs  were  visually  inspected  with  the  aid  of binoculars  where  appropriate.  Flat  roofs  were  visually inspected  from  vantage  points  within  the  property  and where  safe  and  reasonable  to  do  so  from  a  3m  ladder externally. Roof spaces were visually inspected and were entered where there was  safe  and  reasonable  access,  normally  defined  as being  from  a  3m  ladder within  the  property.  If  this  is  not possible, then physical access to the roof space may be taken by other means if the surveyor deems it safe and reasonable to do so.  Pitched and tiled.    The  internal  roof  structure  is  assumed  to  be  of  traditional timber construction.  

   

Rainwater fittings Visually  inspected  with  the  aid  of  binoculars  where appropriate.  uPVC half round gutters.    uPVC tubular downpipes.   

   

Main walls   Visually  inspected  with  the  aid  of  binoculars  where appropriate.  Foundations  and  concealed  parts  were  not exposed or inspected.  The  main  walls  are  assumed  to  be  of  concrete  frame construction  with  the  main  infill  walls  assumed  to  be  of traditional cavity brick construction with a roughcast external finish.   

   

Windows, external doors and joinery 

Internal and external doors were opened and  closed where keys  were  available.  Random  windows  were  opened  and closed where possible. Doors and windows were not  forced open.  Replacement uPVC double glazed window units.    Timber entrance door.  Assumed uPVC roof lining.    Timber weatherboard external finish to common drying areas. 

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External decorations  Visually inspected.  Painted finishes.   

   

Conservatories / porches 

Not Applicable. 

   

Communal areas   Circulation areas visually inspected.  Traditional access arrangement with communal entrance area, common stair and shared landings.   Shared landing drying areas.   

   

Garages and permanent outbuildings  

Not Applicable. 

   

Outside areas and boundaries  

Visually inspected.  Communal landscaped areas. 

   

Ceilings   Visually inspected from floor level.  Suspended concrete. 

   

Internal walls   Visually  inspected  from  floor  level. Using a moisture meter, walls were randomly tested for dampness where considered appropriate.  Assumed to be  finished  in a combination of plasterboard and plaster on the hard.   

   

Floors including sub floors 

Surfaces  of  exposed  floors  were  visually  inspected.  No carpets or  floor  coverings were  lifted.  Sub  floor areas were inspected only to the extent visible from a readily accessible and  unfixed  hatch  by  way  of  an  inverted  “head  and shoulders” inspection at the access point.  Physical  access  to  the  sub  floor  areas may  be  taken  if  the surveyor deems  it safe and  reasonable  to do so and subject to a minimum clearance of 1m between  the  floor  joists and the solum as determined from the access hatch.  Solid concrete construction.   

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Internal joinery and kitchen fittings 

Built‐in cupboards were looked into but no stored items were moved. Kitchen units were visually inspected excluding appliances.  Timber skirtings, facings and doors.    High and low level fitted units, sink unit, gas hob, electric oven, filter unit, fitted dishwasher, fitted washing machine and fitted fridge freezer.   

   

Chimney breasts and fireplaces 

Not Applicable. 

   

Internal decorations   Visually inspected.  Mostly papered and painted finishes.   

   

Cellars   Not Applicable. 

   

Electricity   Accessible parts of the wiring were visually inspected without removing  fittings. No  tests whatsoever were  carried  out  to the  system or appliances. Visual  inspection does not assess any services to make sure they work properly and efficiently and meet modern  standards.  If  any  services  are  turned  off the  surveyor will  report  this  in  the  report and will not  turn them on.  Mains supply.   The meter  and  fusebox  are  located  in  the  boxroom/walk‐in cupboard. 

   

Gas   Accessible  parts  of  the  system  were  visually  inspected without removing fittings. No tests whatsoever were carried out  to  the  system or appliances. Visual  inspection does not assess  any  services  to  make  sure  they  work  properly  and efficiently  and meet modern  standards.  If  any  services  are turned off the surveyor will report this in the report and will not turn them on.  Mains supply.    The meter is located in the kitchen.   

   

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Water, plumbing and bathroom fittings  

Visual  inspection  of  the  accessible  pipework,  water  tanks, cylinders  and  fittings  without  removing  any  insulation.  No tests  whatsoever  were  carried  out  to  the  system  or appliances.  Mains supply.    Where  visible,  the  plumbing  installation  seems  to  be  run  in PVC piping.    Traditional  three  piece  bathroom  suite  arrangement  with additional shower cubicle facility.   

   

Heating and hot water  

Accessible parts of the system were visually  inspected apart from communal systems which were not  inspected. No tests whatsoever were carried out to the system or appliances.  Both space heating and domestic hot water are provided by a gas fired central heating system.   The central heating boiler  is located  in  the  kitchen  and  serves  individual  wall  mounted radiators located throughout the Property.   

   

Drainage   Drainage  covers  etc  were  not  lifted.  Neither  drains  nor drainage systems were tested.  Main sewers. 

   

Fire, smoke and burglar alarms 

Visually  inspected. No  tests whatsoever were carried out  to the system or appliances.  A smoke detection device is attached to the kitchen ceiling.  

   

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Any additional limits to inspection: 

If  the  roof  space  or  under‐building/basement  is  communal, reasonable  and  safe  access  is  not  always  possible.  If  no inspection  was  possible,  then  this  will  be  stated.  If  no inspection was possible, the surveyor will assume that there were  no  defects  that  will  have  a  material  effect  on  the valuation.  We  have  not  carried  out  an  inspection  for  Japanese Knotweed  or  other  invasive  plant  species  within  the boundaries  of  the  property  or  in  neighbouring  properties. The  identification  of  Japanese  Knotweed  or  other  invasive plant species should be made by a Specialist Contractor.  Occupied,  with  fitted  floor  coverings  and  furnishings throughout.    Services  were  not  tested.    The  building’s  roof space  was  not  inspected.    Comments  with  regards  to  the condition  of  the  building  fabric  are  based  upon  superficial observation from ground level.  Windows were not opened. 

 

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2. CONDITION 

 This section  identifies problems and  tells you about  the urgency of any  repairs by using one of three categories. 

Category 3  Category 2  Category 1  Urgent Repairs or replacement are needed now.  Failure to deal with them may cause problems to other parts of the property or cause a safety hazard.  Estimates for repairs or replacement are needed now.   

 Repairs or replacement requiring future attention, but estimates are still advised.   

 No immediate action or repair is needed. 

 

Structural movement

Repair category  1 

Notes:  Within  the  limitations of  the  inspection  there  is no evidence of any significant defects.  

Dampness, rot and infestation

Repair category  1 

Notes:  Within  the  limitations of  the  inspection  there  is no evidence of any significant defects.  

Chimney stacks 

Repair category:  N/A 

Notes:    

Roofing including roof space

Repair category:  2 

Notes:  At  the  time  of  inspection  the  Local  Authority was  carrying  out repair work to the roof (details to be confirmed).   As  per  previous  comments  the  building’s  roof  space  was  not inspected.  

Rainwater fittings

Repair category:  1 

Notes:  Within  the  limitations of  the  inspection  there  is no evidence of any significant defects. 

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Main walls 

Repair category:  1 

Notes:  Within  the  limitations of  the  inspection  there  is no evidence of any significant defects.  

Windows, external doors and joinery

Repair category:  2 

Notes:  Interpane condensation evident.   

External decorations

Repair category:  2 

Notes:  Weathered  external  timber  joinery  requires  attention  before further deterioration occurs.    

Conservatories / porches

Repair category:  N/A 

Notes:    

Communal areas 

Repair category:  1 

Notes:  Internal  common  parts  are  in  an  acceptable  state  of  repair, having  regard  to  the  basic  nature  of  construction  finish  and usage.  Cosmetic repairs.  

Garages and permanent outbuildings

Repair category:  N/A 

Notes:    

Outside areas and boundaries

Repair category:  2 

Notes:  Repairs required to boundary  fencing.  (ownership/repair  liability details to be confirmed)  

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Ceilings 

Repair category:  1 

Notes:  Within  the  limitations of  the  inspection  there  is no evidence of any significant defects.  

Internal walls 

Repair category:  1 

Notes:  Within  the  limitations of  the  inspection  there  is no evidence of any significant defects.  Cosmetic repairs.  

Floors including sub‐floors

Repair category:  1 

Notes:  Within  the  limitations of  the  inspection  there  is no evidence of any significant defects.  

Internal joinery and kitchen fittings

Repair category:  1 

Notes:  Cosmetic  repairs  to  areas  of  general  wear  and  tear/impact damage.    The kitchen fitments provide a good facility.  

Chimney breasts and fireplaces

Repair category:  N/A 

Notes:    

Internal decorations

Repair category:  2 

Notes:  Cosmetic repairs.    There is scope for redecoration to taste.     

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Cellars 

Repair category:  N/A 

Notes:    

Electricity 

Repair category:  1 

Notes:  It  should  be  appreciated  that  only  the  most  recently  rewired properties will fully comply with current day standards.    Should  the  Buyer  require  an  amenity  complying  with  present regulations or  safety expectations,  items of electrical upgrading may be required.   

Gas 

Repair category:  1 

Notes:  It should be verified that the gas systems have been checked by a Gas Safe engineer within the previous 12 months.  

Water, plumbing and bathroom fittings

Repair category:  1 

Notes:  Within  the  limitations of  the  inspection  there  is no evidence of any significant defects to the plumbing installation.    The bathroom suite provides a good facility.    

Heating and hot water

Repair category:  1 

Notes:  It should be confirmed that the central heating boiler/system has been the subject of a full service within the last 12 months.  

Drainage 

Repair category:  1 

Notes:  Within  the  limitations of  the  inspection  there  is no evidence of any serious choking or flooding.  

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Set out below is a summary of the condition of the property which is provided for reference only. You should refer to the comments above for detailed information.  

Structural movement  1 

Dampness, rot and infestation  1 

Chimney stacks  N/A 

Roofing including roof space  2 

Rainwater fittings  1 

Main walls  1 

Windows, external doors and joinery  2 

External decorations  2 

Conservatories / porches  N/A 

Communal areas  1 

Garages and permanent outbuildings  N/A 

Outside areas and boundaries  2 

Ceilings  1 

Internal walls  1 

Floors including sub‐floors  1 

Internal joinery and kitchen fittings  1 

Chimney breasts and fireplaces  N/A 

Internal decorations  2 

Cellars  N/A 

Electricity  1 

Gas  1 

Water, plumbing and bathroom fittings  1 

Heating and hot water  1 

Drainage  1 

 Remember The cost of repairs may influence the amount someone is prepared to pay for the property. We recommend that relevant estimates and reports are obtained in your own name. 

 Warning If left unattended, even for a relatively short period, Category 2 repairs can rapidly develop into more serious Category 3 repairs. The existence of Category 2 or Category 3 repairs may have an adverse effect on marketability, value and the sale price ultimately achieved for the property. This  is particularly  true during  slow market  conditions where  the effect  can be considerable. 

Category 3: 

Urgent Repairs or replacement are needed now.  Failure to deal with them may cause problems to other parts of the property or cause a safety hazard.  Estimates for repairs or replacement are needed now.    

Category 2: 

Repairs or replacement requiring future attention, but estimates are still advised.  Category 1:  No immediate action or repair is needed. 

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3. ACCESSIBILITY INFORMATION 

 Guidance Notes on Accessibility Information  Three  steps  or  fewer  to  a main  entrance  door  of  the  property:    In  flatted developments the ‘main entrance’ would be the flat’s own entrance door, not the  external  door  to  the  communal  stair.    The  ‘three  steps  or  fewer’  are counted from external ground level to the flat’s entrance door. Where a lift is present, the count is based on the number of steps climbed when using the lift.   Unrestricted parking within 25 metres:  For this purpose, ‘Unrestricted parking’ includes  parking  available  by means  of  a  parking  permit.  Restricted  parking includes:  Parking  that  is  subject  to  parking  restrictions,  as  indicated  by  the presence of  solid  yellow,  red or white  lines at  the edge of  the  road or by a parking control sign, parking meters or other coin‐operated machines.  1. Which floor(s) is the living accommodation on?  

 Ground

2. Are there three steps or fewer to a main entrance door of the property?  

Yes No

3. Is there a lift to the main entrance door of the property?   

Yes No 

4. Are all door openings greater than 750mm?  

Yes No

5. Is there a toilet on the same level as the living room and kitchen?  

Yes No

6. Is there a toilet on the same level as a bedroom?  

Yes No

7. Are all rooms on the same level with no internal steps or stairs?  

Yes No

8. Is there unrestricted parking within 25 metres of an entrance door to the building?  

Yes No

      

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  4. VALUATION AND CONVEYANCER ISSUES 

This  section  highlights  information  that  should  be  checked  with  a  solicitor  or  licensed conveyancer. It also gives an opinion of market value and an estimated re‐instatement cost for insurance purposes.   

Matters for a solicitor or licensed conveyancer Usual Scottish legal enquiries should be made.   The Seller should confirm that all existing services and appliances are fully functional and regularly serviced.   Verification of common repair obligations is advised.  Details relating to the current roof repairs should be confirmed.    Replacement windows have been installed.   

 

Estimated re‐instatement cost for insurance purposes £150,000 (ONE HUNDRED AND FIFTY THOUSAND POUNDS). 

 

Valuation and market comments Where defects or repairs have been identified within this report it is recommended that, prior to entering into any legally binding sale or purchase contract, further Specialist or Contractors advice and  estimates  should be obtained,  to  establish  the  implications,  if  any, on  a potential offer  to purchase or the Sale Price likely to be achieved for the Property.  We have determined  the Market Value of  the  Property  to be  fairly  expressed  at  a  sum  in  the region of £85,000 (EIGHTY FIVE THOUSAND POUNDS).   The Property is considered suitable for Mortgage Lending Purposes.    The Market Value expressed herein  is effective as at  the date of valuation. Seller and Buyer are advised that market value may rise or fall as market conditions change. Should parties relying on this report and valuation consider market conditions may have changed materially from the date of this valuation, a revaluation should be instructed.  

Report author:  Brian J H Tait, MRICS   

Address:  32 Rutland Square, Edinburgh, EH1 2BW    

Signed: 

   

Date of report:  22nd June 2016

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SINGLE SURVEY TERMS AND CONDITIONS (WITH MVR)  PART 1 ‐ GENERAL 

1.1   THE SURVEYORS The Seller has engaged  the Surveyors  to provide  the Single Survey Report and a generic Mortgage Valuation  Report  for  Lending  Purposes.  The  Seller  has  also  engaged  the  Surveyors  to  provide  an Energy Report in the format prescribed by the accredited Energy Company.  The  Surveyors  are  authorised  to provide  a  transcript or  retype of  the  generic Mortgage Valuation Report on to Lender specific pro‐forma. Transcript reports are commonly requested by Brokers and Lenders. The transcript report will be in the format required by the Lender but will contain the same information,  inspection date and valuation figure as the generic Mortgage Valuation Report and the Single  Survey.  The  Surveyors  will  decline  any  transcript  request  which  requires  the  provision  of information additional to the  information  in the Report and the generic Mortgage Valuation Report until the Seller has conditionally accepted an offer to purchase made in writing.  Once  the  Seller has  conditionally  accepted  an offer  to purchase made  in writing,  the Purchaser’s lender  or  conveyancer  may  request  that  the  Surveyors  provide  general  comment  on  standard appropriate supplementary documentation.  In the event of a significant amount of documentation being provided to the Surveyors, an additional fee may be incurred by the Purchaser. Any additional fee will be agreed in writing.  If information is provided to the Surveyors during the conveyancing process which materially affects the valuation stated in the Report and generic Mortgage Valuation Report, the Surveyors reserve the right  to  reconsider  the  valuation.  Where  the  Surveyors  require  to  amend  the  valuation  in consequence of such information, they will issue an amended Report and generic Mortgage Valuation Report  to  the  Seller.  It  is  the  responsibility  of  the  Seller  to  ensure  that  the  amended  Report  and generic Mortgage Valuation Report are transmitted to every prospective Purchaser.  The  individual  Surveyor will be  a member of  the Royal  Institution of Chartered  Surveyors who  is competent to survey, value and report upon Residential Property. 1 

 If the Surveyors have had a previous business relationship within the past two years with the Seller or Sellers Agent or relative to the property, they will be obliged to  indicate this by ticking the adjacent box.  The Surveyors have a written  complaints handling procedure. This  is available  from  the offices of the Surveyors at the address stated. 

 1.2   THE REPORT 

The  Surveyors  will  not  provide  an  amended  Report  on  the  Property,  except  to  correct  factual inaccuracies.  The Report will identify the nature and source of information relied upon in its preparation. 

The Surveyor shall provide a Market Value of the Property, unless the condition of the Property  is such that it would be inappropriate to do so. A final decision on whether a loan will be granted rests with the Lender who may impose retentions in line with their lending criteria. The date of condition and value of the property will be the date of inspection  1  Which  shall be in accordance with the current RICS Valuation Standards (the Red Book) and RICS Codes of Conduct. 

To  date,  Purchasers  have  normally  obtained  their  own  report  from  their  chosen  Surveyor.  By contrast, a Single Survey is instructed by the Seller and made available to all potential Purchasers in expectation that the successful Purchaser will have relied upon it. The Royal Institution of Chartered 

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Surveyors rules require disclosure of any potential conflict of interest when acting for the Seller and the Purchaser in the same transaction. The Single Survey may give rise to a conflict of interest and if this is of concern to any party they are advised to seek their own independent advice. 

The Report  and  any expressions or  assessments  in  it  are not  intended  as  advice  to  the  Seller or Purchaser  or  any  other  person  in  relation  to  an  asking  price  or  any  other  sales  or marketing decisions. 

The Report  is based solely on the Property and  is not to be relied upon  in any manner whatsoever when considering the valuation or condition of any other property. 

If certain minor matters are mentioned in the Report it should not be assumed that the Property is free of other minor defects. 

Neither the whole nor any part of the Report may be published in any way, reproduced or distributed by any party other  than the Seller, prospective purchasers and  the Purchaser and  their  respective professional advisers without  the prior written consent of  the Surveyors.  

1.3  LIABILITY The Report is prepared with the skill and care reasonably to be expected of a competent residential surveyor who is a member of the Royal Institution of Chartered Surveyors. 

The Report is addressed to the Seller and was prepared in the expectation that it (or a complete copy) along with these Terms and Conditions (or a complete copy) would (or, as the case might be, would have been) be disclosed and delivered to 

the Seller; 

any person(s) noting an interest in purchasing the Property from the Seller; 

any person(s) who make(s)  (or on whose behalf  is made) an offer  to purchase  the Property, whether or not that offer is accepted by the Seller; 

the Purchaser; and 

the professional advisers of any of these. 

 The Surveyors acknowledge that their duty of skill and care  in relation to the Report  is owed to the Seller and to the Purchaser. The Surveyors accept no responsibility or liability whatsoever in relation to the Report to persons other than the Seller and the Purchaser. The Seller and Purchaser should be aware  that  if a  Lender  seeks  to  rely on  this Report  they do  so at  their own  risk.  In particular,  the Surveyors accept no responsibility or liability whatsoever to any Lender in relation to the Report. Any such Lender relies upon the Report entirely at their own risk. 

1.4   GENERIC MORTGAGE VALUATION REPORT The Surveyors undertake  to  the Seller  that  they will prepare a generic Mortgage Valuation Report, which will be issued along with the Single Survey.  It is the responsibility of the Seller to ensure that the generic Mortgage Valuation Report is provided to every potential Purchaser.    

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1.5 TRANSCRIPT MORTGAGE VALUATION FOR LENDING PURPOSES  The  Surveyors  undertake  that  on  being  asked  to  do  so  by  a  prospective  purchaser,  or  his/her professional advisor or Lender, they will prepare a Transcript Mortgage Valuation Report for Lending Purposes on terms and conditions to be agreed between the Surveyors and Lender and solely for the use of the Lender and upon which the Lender may rely. The decision as to whether  finance will be provided  is  entirely  a matter  for  the  Lender.  The  Transcript Mortgage  Valuation  Report  will  be prepared from information contained in the Report and the generic Mortgage Valuation Report. 2  

1.6   INTELLECTUAL PROPERTY All  intellectual property rights whatsoever  (including copyright)  in and  to  the Report, excluding  the headings  and  rubrics, are  the exclusive property of  the  Surveyors  and  shall  remain  their exclusive property unless they assign the same to any other party in writing.  

1.7   PAYMENT The Surveyors are entitled  to  refrain  from delivering  the Report  to anyone until  the  fee and other charges for it notified to the Seller have been paid. Additional fees will be charged for subsequent inspections and Reports.  

1.8   CANCELLATION The  Seller will be entitled  to  cancel  the  inspection by notifying  the Surveyor's office at any  time before the day of the inspection. 

The Surveyor will be entitled not to proceed with the  inspection (and will so report promptly to the Seller)  if after arriving at the property, the Surveyor concludes that  it  is of a type of construction of which  the  surveyor  has  insufficient  specialist  knowledge  to  be  able  to  provide  the  inspection satisfactorily. The Surveyor will also be entitled not  to proceed  if after arriving at  the property,  the surveyor concludes that the property  is exempt under Part 3 of The Housing (Scotland) Act 2006 as detailed in the (Prescribed Documents) Regulations 2008. If there is a potential threat to their health or personal safety, the inspection may be postponed or cancelled, at the Surveyor's discretion. 

In the case of cancellation or the inspection not proceeding, the Surveyor will refund any fees paid by  the Seller  for  the  inspection and Report, except  for expenses  reasonably  incurred and any  fee due in light of the final paragraph of this section. 

In the case of cancellation by the Seller, for whatever reason, after the  inspection has taken place but before a written report is issued, the Surveyor will be entitled to raise an Invoice equivalent to 80% of the agreed fee.  

1.9   PRECEDENCE If there is any incompatibility between these Terms and Conditions and the Report, these Terms and Conditions take precedence.  

2 Which shall be in accordance with the current RICS Valuation Standards (the Red Book) and RICS Rules of Conduct. 

 

1.10   DEFINITIONS 

the “Lender” is the party who has provided or intends or proposes to provide financial assistance to the Purchaser towards the purchase of the Property and in whose favour a standard security will be granted over the Property; 

 

the  “Transcript Mortgage  Valuation  Report  for  Lending  Purposes” means  a  separate  report, prepared by the Surveyor, prepared from  information  in the Report and the generic Mortgage Valuation Report, but  in a  style and  format  required by  the  Lender. The Transcript Mortgage Valuation Report for Lending Purposes will be prepared with the skill and care reasonably to be expected from a surveyor who is a member of the Royal Institution of Chartered Surveyors and who is competent to survey, value and report on the Property; 

 

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the  "Generic Mortgage Valuation Report" means a  separate  report, prepared by  the Surveyor from information in the Report but in the Surveyor's own format; 

 

the “Market Value” is The estimated amount for which a property should exchange on the date of  valuation between  a willing buyer  and  a willing  seller  in  an  arm’s‐length  transaction  after proper marketing wherein  the parties had  each  acted  knowledgeably, prudently  and without compulsion; 

 

the “Property” is the property which forms the subject of the Report;  

the “Purchaser” is the person (or persons) who enters into a contract to buy the Property from the Seller; 

 

a "prospective Purchaser" is anyone considering buying the Property;  

the “Report” is the report, of the kind described in Part 2 of these Terms and Conditions and in the  form  set  out  in  part  1  of  Schedule  1  of  the  Housing  (Scotland)  Act  2006  (Prescribed Documents) Regulations 2008; 

 

the “Seller” is/are the proprietor(s) of the Property;  

the “Surveyor” is the author of the Report on the Property; and  

the  “Surveyors”  are  the  firm  or  company  of  which  the  Surveyor  is  an  employee,  director, member or partner (unless the Surveyor is not an employee, director, member or partner, when the “Surveyors” means the Surveyor) whose details are set out at the head of the Report. 

 •   the "Energy Report" is the advice given by the accredited Energy Company, based on information 

collected  by  the  Surveyor  during  the  Inspection,  and  also  includes  an  Energy  Performance Certificate, in a Government approved format. 

  

PART 2 – DESCRIPTION OF THE REPORT  2.1  THE SERVICE 

The Single Survey  is a Report by an  independent Surveyor, prepared  in an objective way regarding the condition and value of the Property on the day of the  inspection, and who  is a member of the Royal Institution of Chartered Surveyors. It includes an Energy Report as required by Statute and this is in the format of the accredited Energy Company. In addition, the Surveyor has agreed to supply a generic Mortgage Valuation Report.  

2.2   THE INSPECTION The Inspection is a general surface examination of those parts of the Property which are accessible: in other words, visible and readily available for examination from ground and floor levels, without risk of causing damage to the Property or injury to the Surveyor.  All references to visual  inspection refer to an  inspection from within the property at floor  level and from  ground  level  within  the  site  and  adjoining  public  areas,  without  the  need  to  move  any obstructions. Any references to left or right are taken facing the front of the property.  The Inspection is carried out with the Seller’s permission, without causing damage to the building or contents. Furniture, stored items and insulation are not moved.  

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Unless identified in the report the Surveyor will assume that no harmful or hazardous materials have been used in the construction. The presence or possible consequences of any site contamination will not be researched.  The Surveyor will not carry out an asbestos inspection, and will not be acting as an asbestos inspector in  completing  a  Single  Survey  of  properties  that may  fall  within  the  Control  of  Asbestos  in  the Workplace Regulations. In the case of flats it will be assumed that there is a duty holder, as defined in the Regulations and  that a Register of Asbestos and effective Management Plan  is  in place, which does not require any expenditure, or pose a significant risk to health. No enquiry of the duty holder will be made.  

2.3   THE REPORT The  Report  will  be  prepared  by  the  Surveyor  who  carried  out  the  property  inspection  and  will describe various aspects of the property as defined by the headings of the Single Survey report with the  comments being general and unbiased. The  report on  the  location,  style and  condition of  the property, will be  concise  and will be  restricted  to matters  that  could have  a material  effect upon value and will omit items that, in the Surveyor’s opinion, are not significant. If certain minor matters are mentioned, it should not be interpreted that the property is free of any other minor defects. 

Throughout the report, the following repair categories will be used to give an overall opinion of the state of repair and condition of the property. 

2.3.1 Category 3: Urgent repairs or replacement are needed now. Failure to deal with them may cause problems to other parts of the property or cause a safety hazard. Estimates for repairs or replacement are needed now. 

2.3.2 Category 2: Repairs or replacement requiring future attention, but estimates are still advised. 

2.3.3 Category 1:  No immediate action or repair is needed.  WARNING:  If  left  unattended,  even  for  a  relatively  short  period,  Category  2  repairs  can  rapidly develop into more serious Category 3 repairs. The existence of Category 2 or Category 3 repairs may have an adverse effect on marketability, value and the sale price ultimately achieved for the property. This is particularly true during slow market conditions when the effect can be considerable. Parts of the property, which cannot be seen or accessed, will not be reported upon and this will be stated.  If the Surveyor suspects that a defect may exist within an unexposed area and which could have  a  material  effect  upon  the  value,  he  may  recommend  further  investigation  by  specialist contractors.  

2.4   SERVICES Surveyors  are  not  equipped  or  qualified  to  test  the  services  and  therefore  no  comment  can  be interpreted  as  implying  that  the  design,  installation  and  function  of  the  services  are  in accordance/compliance with  regulations,  safety  and efficiency expectations. However,  comment  is made where there  is cause to suspect significant defects or shortcomings with the  installations. No tests are made of any services or appliances.  

2.5   ACCESSIBILITY A section is included to help identify the basic information interested parties need to know to decide whether to view a property.  

2.6   ENERGY REPORT A section is included that makes provision for an Energy Report, relative to the property.   

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The Surveyor will collect physical data from the property and provide such data in a format required by an accredited Energy Company. The Surveyor cannot of course accept liability for any advice given by the Energy Company.  

2.7   VALUATION AND CONVEYANCER ISSUES The last section of the Report contains matters considered relevant to the Conveyancer (Solicitor). It also  contains  the  Surveyor’s  opinion  both  of  the  market  value  of  the  property  and  of  the  re‐instatement cost, as defined below.  “Market Value” The estimated amount for which a property should exchange on the date of valuation between a willing buyer and a willing  seller  in an arm’s‐length  transaction after proper marketing wherein the parties had each acted knowledgeably, prudently and without compulsion. In arriving at the opinion of the Market Value the Surveyor also makes various standard assumptions covering, for example,  vacant  possession;  tenure  and  other  legal  considerations;  contamination  and  hazardous materials; the condition of un‐inspected parts; the right to use mains services; and the exclusion of curtains, carpets etc.  from the valuation.  In the case of  flats, the  following  further assumptions are made that:  

There are rights of access and exit over all communal roadways, corridors, stairways etc. and to use communal grounds, parking areas, and other facilities; 

 

There are no particularly troublesome or unusual legal restrictions;  

There  is  no  current  dispute  between  the  occupiers  of  the  flats  or  any  outstanding  claims  or losses;  and  the  costs  of  repairs  to  the  building  are  shared  among  the  co‐proprietors  on  an equitable basis. 

   Any additional assumption, or any found not to apply, is reported.  

“Re‐instatement  cost”  is  an  estimate  for  insurance  purposes  of  the  current  cost  of  rebuilding  the Property  in  its present form unless otherwise stated. This  includes the cost of rebuilding the garage and permanent outbuildings, site clearance and professional fees, but excludes VAT (except on the fees).  Sellers or prospective Purchasers may consider it prudent to instruct a re‐inspection and revaluation after a period of 12 weeks (or sooner if appropriate) to reflect changing circumstances in the market and/or in the physical condition of the Property. 

 

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You can use this document to:Energy Performance Certificate (EPC)Dwellings

ScotlandFLAT 1 , 12 CALDER GROVE, EDINBURGH, EH11 4NA

Dwelling type: Ground-floor flatDate of assessment: 21 June 2016Date of certificate: 23 June 2016Total floor area: 69 m2

Primary Energy Indicator: 247 kWh/m2/year

Reference number: 2297-1011-5206-2496-4900Type of assessment: RdSAP, existing dwellingApproved Organisation: ElmhurstMain heating and fuel: Boiler and radiators, mains

gas

You can use this document to:Compare current ratings of properties to see which are more energy efficient and environmentally friendly•Find out how to save energy and money and also reduce CO2 emissions by improving your home•

Estimated energy costs for your home for 3 years* £2,187

Over 3 years you could save* £813

See yourrecommendations

report for moreinformation

* based upon the cost of energy for heating, hot water, lighting and ventilation, calculated using standard assumptions

Very energy efficient - lower running costs Current Potential

A(92 plus)

B(81-91)

79C(69-80)

68D(55-68)

E(39-54

F(21-38)

G(1-20)

Not energy efficient - higher running costs

Energy Efficiency Rating

This graph shows the current efficiency of your home,taking into account both energy efficiency and fuelcosts. The higher this rating, the lower your fuel billsare likely to be.

Your current rating is band D (68). The average ratingfor EPCs in Scotland is band D (61).

The potential rating shows the effect of undertaking allof the improvement measures listed within yourrecommendations report.

Very environmentally friendly - lower CO2 emissions Current Potential

A(92 plus)

81B(81-91)

C(69-80)

66D(55-68)

E(39-54

F(21-38)

G(1-20)

Not environmentally friendly - higher CO2 emissions

Environmental Impact (CO2) Rating

This graph shows the effect of your home on theenvironment in terms of carbon dioxide (CO2)emissions. The higher the rating, the less impact it hason the environment.

Your current rating is band D (66). The average ratingfor EPCs in Scotland is band D (59).

The potential rating shows the effect of undertaking allof the improvement measures listed within yourrecommendations report.

Top actions you can take to save money and make your home more efficient

Recommended measures Indicative cost Typical savingsover 3 years

Available withGreen Deal

1 Cavity wall insulation £500 - £1,500 £273.00

2 Floor insulation (solid floor) £4,000 - £6,000 £231.00

3 Low energy lighting £35 £93.00

A full list of recommended improvement measures for your home, together with more information on potential cost andsavings and advice to help you carry out improvements can be found in your recommendations report.

THIS PAGE IS THE ENERGY PERFORMANCECERTIFICATE WHICH MUST BE AFFIXED TO THEDWELLING AND NOT BE REMOVED UNLESS IT IS

REPLACED WITH AN UPDATED CERTIFICATE

The Green Deal may allow you to make yourhome warmer and cheaper to run at no up-frontcapital cost. See your recommendations report

for more details.

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Page 1 of 5Elmhurst Energy Systems RdSAP Calculator v2.08r03 (SAP 9.92)

Recommendations ReportFLAT 1 , 12 CALDER GROVE, EDINBURGH, EH11 4NA23 June 2016 RRN: 2297-1011-5206-2496-4900

Summary of the energy performance related features of this homeThis table sets out the results of the survey which lists the current energy-related features of this home. Each elementis assessed by the national calculation methodology; 1 star = very poor (least efficient), 2 stars = poor, 3 stars =average, 4 stars = good and 5 stars = very good (most efficient). The assessment does not take into consideration thecondition of an element and how well it is working. ‘Assumed’ means that the insulation could not be inspected and anassumption has been made in the methodology, based on age and type of construction.

Element Description Energy Efficiency Environmental

Walls Cavity wall, as built, no insulation (assumed)

Roof (another dwelling above)

Floor Solid, no insulation (assumed)

Windows Fully double glazed

Main heating Boiler and radiators, mains gas

Main heating controls Programmer, room thermostat and TRVs

Secondary heating None

Hot water From main system

Lighting Low energy lighting in 22% of fixed outlets

The energy efficiency rating of your homeYour Energy Efficiency Rating is calculated using the standard UK methodology, RdSAP. This calculates energy usedfor heating, hot water, lighting and ventilation and then applies fuel costs to that energy use to give an overall ratingfor your home. The rating is given on a scale of 1 to 100. Other than the cost of fuel for electrical appliances and forcooking, a building with a rating of 100 would cost almost nothing to run.

As we all use our homes in different ways, the energy rating is calculated using standard occupancy assumptionswhich may be different from the way you use it. The rating also uses national weather information to allow comparisonbetween buildings in different parts of Scotland. However, to make information more relevant to your home, localweather data is used to calculate your energy use, CO2 emissions, running costs and the savings possible from makingimprovements.

The impact of your home on the environmentOne of the biggest contributors to global warming is carbon dioxide. The energy we use for heating, lighting and powerin our homes produces over a quarter of the UK’s carbon dioxide emissions. Different fuels produce different amountsof carbon dioxide for every kilowatt hour (kWh) of energy used. The Environmental Impact Rating of your home iscalculated by applying these 'carbon factors' for the fuels you use to your overall energy use.

The calculated emissions for your home are 43 kg CO2/m²/yr.

The average Scottish household produces about 6 tonnes of carbon dioxide every year. Based on this assessment,heating and lighting this home currently produces approximately 3.0 tonnes of carbon dioxide every year. Adoptingrecommendations in this report can reduce emissions and protect the environment. If you were to install all of theserecommendations this could reduce emissions by 1.3 tonnes per year. You could reduce emissions even more byswitching to renewable energy sources.

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Page 2 of 5

•••

Alternative measuresThere are alternative improvement measures which you could also consider for your home. It would be advisable toseek further advice and illustration of the benefits and costs of such measures.

External insulation with cavity wall insulationBiomass boiler (Exempted Appliance if in Smoke Control Area)Air or ground source heat pump

Recommendations ReportFLAT 1 , 12 CALDER GROVE, EDINBURGH, EH11 4NA23 June 2016 RRN: 2297-1011-5206-2496-4900

Estimated energy costs for this home

Current energy costs Potential energy costs

Heating £1,587 over 3 years £924 over 3 years

Hot water £342 over 3 years £303 over 3 years

Lighting £258 over 3 years £147 over 3 years

Totals £2,187 £1,374

You couldsave £813

over 3 years

Potential future savings

These figures show how much the average household would spend in this property for heating, lighting and hot water.This excludes energy use for running appliances such as TVs, computers and cookers, and the benefits of anyelectricity generated by this home (for example, from photovoltaic panels). The potential savings in energy costs showthe effect of undertaking all of the recommended measures listed below.

Recommendations for improvementThe measures below will improve the energy and environmental performance of this dwelling. The performanceratings after improvements listed below are cumulative; that is, they assume the improvements have been installed inthe order that they appear in the table. Further information about the recommended measures and other simpleactions to take today to save money is available from the Home Energy Scotland hotline which can be contacted on0808 808 2282. Before carrying out work, make sure that the appropriate permissions are obtained, where necessary.This may include permission from a landlord (if you are a tenant) or the need to get a Building Warrant for certaintypes of work.

Recommended measures Indicative cost Typical savingper year

Rating after improvement

Energy EnvironmentGreenDeal

C 72 C 71

C 75 C 76

C 76 C 77

C 78 C 79

C 79 B 81

1 Cavity wall insulation £500 - £1,500 £91

2 Floor insulation (solid floor) £4,000 - £6,000 £77

3 Low energy lighting for all fixedoutlets £35 £31

4 Replace boiler with new condensingboiler £2,200 - £3,000 £41

5 Replacement glazing units £1,000 - £1,400 £30

Measures which have a green deal tick are likely to be eligible for Green Deal finance plans based on indicativecosts. Subsidy also may be available for some measures, such as solid wall insulation. Additional support may also beavailable for certain households in receipt of means tested benefits. Measures which have an orange tick mayneed additional finance. To find out how you could use Green Deal finance to improve your property, visitwww.greenerscotland.org or contact the Home Energy Scotland hotline on 0808 808 2282.

Choosing the right improvement package

For free and impartial advice on choosing suitable measures for your property, contact the Home EnergyScotland hotline on 0808 808 2282 or go to www.greenerscotland.org.

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Page 3 of 5

Low and zero carbon (LZC) energy sources are sources of energy that release either very little or no carbon dioxideinto the atmosphere when they are used. Installing these sources may help reduce energy bills as well as cuttingcarbon.LZC energy sources present: There are none provided for this home

Recommendations ReportFLAT 1 , 12 CALDER GROVE, EDINBURGH, EH11 4NA23 June 2016 RRN: 2297-1011-5206-2496-4900

About the recommended measures to improve your home’s performance ratingThis section offers additional information and advice on the recommended improvement measures for your home

1 Cavity wall insulationCavity wall insulation, to fill the gap between the inner and outer layers of external walls with an insulatingmaterial, reduces heat loss; this will improve levels of comfort, reduce energy use and lower fuel bills. Theinsulation material is pumped into the gap through small holes that are drilled into the outer walls, and the holesare made good afterwards. As specialist machinery is used to fill the cavity, a professional installation companyshould carry out this work, and they should carry out a thorough survey before commencing work to ensure thatthis type of insulation is suitable for this home and its exposure. They should also provide a guarantee for thework and handle any building standards issues. Further information about cavity wall insulation and details oflocal installers can be obtained from the Building Standards Division’s section of the Scottish Governmentwebsite (www.scotland.gov.uk/Topics/Built-Environment/Building/Building-standards/publications/pubguide/cavitywallinsul) or the National Insulation Association(www.nationalinsulationassociation.org.uk).

2 Floor insulation (solid floor)Insulation of a floor will significantly reduce heat loss; this will improve levels of comfort, reduce energy use andlower fuel bills. Insulating solid floors can present challenges; insulation laid on top of existing solid floors mayimpact on existing doors and finishes whilst lifting of a solid floor to insert insulation below will requireconsideration of the potential effect on both structural stability and damp proofing. It is advised to seek advicefrom a Chartered Structural Engineer or a registered Architect about this if unsure. Further information aboutfloor insulation is available from many sources including www.energysavingtrust.org.uk/scotland/Insulation/Floor-insulation. Building regulations generally apply to this work and may also require a building warrant so it is bestto check this with your local authority building standards department.

3 Low energy lightingReplacement of traditional light bulbs with energy saving recommended ones will reduce lighting costs over thelifetime of the bulb, and they last up to 12 times longer than ordinary light bulbs. Also consider selecting lowenergy light fittings when redecorating; contact the Lighting Association for your nearest stockist of DomesticEnergy Efficient Lighting Scheme fittings.

4 Condensing boilerA condensing boiler is capable of much higher efficiencies than other types of boiler, meaning it will burn lessfuel to heat this property. This improvement is most appropriate when the existing central heating boiler needsrepair or replacement, however there may be exceptional circumstances making this impractical. Condensingboilers need a drain for the condensate which limits their location; remember this when considering remodellingthe room containing the existing boiler even if the latter is to be retained for the time being (for example a kitchenmakeover). Building regulations generally apply to this work and a building warrant may be required, so it is bestto obtain advice from your local authority building standards department and from a qualified heating engineer.

5 Replacement glazing unitsReplacing existing double-glazed units with new high-performance units. Building regulations require thatreplacement glazing is to a standard no worse than previous and a building warrant is not required. Planningpermission might be required for such work if a building is listed or within a conservation area so it is best tocheck with your local authority.

Low and zero carbon energy sources

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Page 4 of 5

Recommendations ReportFLAT 1 , 12 CALDER GROVE, EDINBURGH, EH11 4NA23 June 2016 RRN: 2297-1011-5206-2496-4900

Your home's heat demand

You could receive Renewable Heat Incentive (RHI) payments and help reduce carbon emissions by replacing yourexisting heating system with one that generates renewable heat and, where appropriate, having your loft insulated andcavity walls filled. The estimated energy required for space and water heating will form the basis of the payments. Formore information go to www.energysavingtrust.org.uk/scotland/rhi.

Heat demand Existing dwelling Impact of loftinsulation

Impact of cavitywall insulation

Impact of solid wallinsulation

Space heating (kWh per year) 7,549 N/A (1,696) N/A

Water heating (kWh per year) 1,986

Addendum

About this documentThis Recommendations Report and the accompanying Energy Performance Certificate are valid for a maximum of tenyears. These documents cease to be valid where superseded by a more recent assessment of the same buildingcarried out by a member of an Approved Organisation.

The Energy Performance Certificate and this Recommendations Report for this building were produced following anenergy assessment undertaken by an assessor accredited by Elmhurst (www.elmhurstenergy.co.uk), an ApprovedOrganisation Appointed by Scottish Ministers. The certificate has been produced under the Energy Performance ofBuildings (Scotland) Regulations 2008 from data lodged to the Scottish EPC register. You can verify the validity of thisdocument by visiting www.scottishepcregister.org.uk and entering the report reference number (RRN) printed at thetop of this page.

Assessor's name: Mr. Brian TaitAssessor membership number: EES/008397Company name/trading name: David Adamson & PartnersAddress: 32 Rutland Square

EdinburghEH1 2BW

Phone number: 0131 2297351Email address: [email protected] party disclosure: Employed by the professional dealing with the property transaction

If you have any concerns regarding the content of this report or the service provided by your assessor you should inthe first instance raise these matters with your assessor and with the Approved Organisation to which they belong. AllApproved Organisations are required to publish their complaints and disciplinary procedures and details can be foundonline at the web address given above.

Use of this energy performance information

Once lodged by your EPC assessor, this Energy Performance Certificate and Recommendations Report are availableto view online at www.scottishepcregister.org.uk, with the facility to search for any single record by entering theproperty address. This gives everyone access to any current, valid EPC except where a property has a Green DealPlan, in which case the report reference number (RRN) must first be provided. The energy performance data in thesedocuments, together with other building information gathered during the assessment is held on the Scottish EPCRegister and is available to authorised recipients, including organisations delivering energy efficiency and carbonreduction initiatives on behalf of the Scottish and UK governments. A range of data from all assessments undertakenin Scotland is also published periodically by the Scottish Government. Further information on these matters and onEnergy Performance Certificates in general, can be found at www.gov.scot/epc.

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Page 5 of 5

Recommendations ReportFLAT 1 , 12 CALDER GROVE, EDINBURGH, EH11 4NA23 June 2016 RRN: 2297-1011-5206-2496-4900

Opportunity to benefit from a Green Deal on this propertyUnder a Green Deal, the cost of the improvements is repaid over time via a credit agreement. Repayments are madethrough a charge added to the electricity bill for the property.

To see which improvements are recommended for this property, please turn to page 3. You can choose whichimprovements you want to install and ask for a quote from an authorised Green Deal provider. They will organiseinstallation by an authorised Green Deal installer. If you move home, the responsibility for paying the Green Dealcharge under the credit agreement passes to the new electricity bill payer.

For householders in receipt of income-related benefits, additional help may be available.

To find out more, visit www.greenerscotland.org or call 0808 808 2282.

Authorisedhome energyassessment

Finance atno upfront

cost

Choose fromauthorisedinstallers

May be paidfrom savingsin energy bills

Repaymentsstay with theelectricity bill

payer

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Quantity, Building and Valuation Surveyors, Principal Designers and Housing Consultants. Quality assured to ISO 9001 David Adamson & Partners Limited. Registered office: 32 Rutland Square, Edinburgh, EH1 2BW Registered in Scotland No. 204488 Part of David Adamson Group of Companies.UK: Aberdeen, Edinburgh, Kirkcaldy, Lerwick & London INTERNATIONAL: Bahrain & Qatar

Our Ref: 17237/BJT/SMD  22nd June 2016   Potential Purchaser           Dear Sirs  PROPERTY: 12/1 CALDER GROVE, EDINBURGH, EH11 4NA  

 Pursuant  to  instructions  received  we  inspected  the  aforementioned  Property  on  21st  June  2016,  for  the purpose of determining  the Market Value of Heritages with Vacant Possession under the terms of a Scheme 1/Mortgage Valuation only. We report as follows:  

REPORT AND VALUATION  

Valuation Statement: (Market Value) 

£85,000 (EIGHTY FIVE THOUSAND POUNDS).   

Reinstatement Insurance: (Day One Basis)  

£150,000 (ONE HUNDRED AND FIFTY THOUSAND POUNDS).   

General Comments :   

The  Property  is  considered  to  be  suitable  security  for  Mortgage Purposes.  The Seller should confirm that all existing services and appliances are fully functional and regularly serviced.   Verification of common repair obligations is advised.  Details relating to the current roof repairs should be confirmed.    Replacement windows have been installed.    

David Adamson & Partners Ltd Chartered Surveyors 32 Rutland Square Edinburgh EH1 2BW United Kingdom t +44 (0)131 229 7351 f +44 (0)131 228 4523 e [email protected] LP - 44 EDINBURGH 2 www.davidadamsongroup.com

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2 SUBJECTS: 12/1 CALDER GROVE, EDINBURGH, EH11 4NA 

Occupied,  with  fitted  floor  coverings  and  furnishings  throughout.  Services  were  not  tested.    The  building’s  roof  space  was  not inspected.   Comments with regards to the condition of the building fabric  are  based  upon  superficial  observation  from  ground  level.  Windows were not opened.  

Description:  Purpose built ground floor flat in a 4/5 storey residential block.    

Location:  

Established Local Authority residential area.  Most amenities can be found locally.  Public transport is available within walking distance.   

Construction:  Roof –    Walls –    Floors –   

Pitched and tiled.  Assumed  concrete  frame  construction with  cavity  brick infill walls, roughcast finish. Concrete.  

Accommodation:  Ground Floor: Livingroom, 2 Bedrooms, Boxroom/Walk‐in Cupboard, Kitchen, Bathroom with WC Facility, Hall and Storage Space.    

Mains Services and Heating: 

 

Gas Elec. Water Drain 

 

GFCH Other Heating 

 

Condition:   Commensurate  with  the  age  of  the  subject  Property  ongoing maintenance and items of reactive repair should be anticipated with respect to the general fabric of the building.    Internally the Property is in good habitable condition.    Redecoration would prove beneficial.  

Essential Repairs:  None.  

 

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3 SUBJECTS: 12/1 CALDER GROVE, EDINBURGH, EH11 4NA  We  trust  the  foregoing  satisfies  your  requirements,  however  if  we  can  be  of  any  further assistance, please do not hesitate to contact this office.  Yours faithfully  

                                       Brian Tait, MRICS For and on behalf of DAVID ADAMSON & PARTNERS Ltd     NOTES: (1) Major Alterations; all Building Warrants and Permissions must be in order (to be verified by the Clients Solicitor). (2) Significant Alterations; not considered material for Lending Authority purposes. Clients Solicitor to consider further for the Clients own purposes. (3) Detailed Specialist/Contractor inspection and reporting of the dwelling is recommended for Lending purposes and prior to the bargain being concluded. (4) Detailed Specialist/Contractor inspection and reporting of the dwelling is not required for Lending Purposes but it is advised that the Client obtain such reporting prior to the bargain being concluded.

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Description of the

M O R T G A G E V A L U A T I O N R E P O R T

1.0 The Mortgage Valuation Report The valuation for mortgage purposes is a limited report for building societies, banks and other lenders before a loan is made on a property. This is not a survey. The report is used to guide lenders on the value of a

property for loan purposes only.

2.0 The Inspection 2.1 The Inspection is a general surface examination of those

parts of the Property which are accessible: in other words, visible and readily available for examination from ground and floor levels, without risk of causing damage to the Property or injury to the Valuer. So furniture, floor coverings and other contents are not moved or lifted; and no part is forced or laid open to make it accessible.

2.2 Subject to reasonable accessibility, the roof space is inspected only to the extent visible from the access hatch, without entering it. Communal roof spaces, under-floor areas and other parts not readily accessible are not inspected. The exterior and roof of the property will be inspected from ground level only.

2.3 The Valuer will identify whether or not there are gas, electricity, central heating, plumbing and drainage services. Testing of services is not undertaken. For all forms of gas, oil, LPG and solid fuel central and space heating systems (including heating systems which also provide hot water) we recommend you appoint a CORGI registered Heating Engineer to inspect, test and report on same within the Sellers Missives Indemnity Period.

3.0 The Report 3.1 Although the inspection will be carried out by a Valuer

who will usually be a qualified Surveyor, it is not a detailed inspection of the property, and only major visible defects will be noted. But remember! A mortgage valuation is based on a restricted inspection to meet the requirements of lending institutions. It is not a survey.

3.2 Where major defects are noted we may recommend further investigations or advice which you should action before committing to purchasing the property.

3.3 We may also recommend part of the mortgage be retained by the lenders until repair works are carried out and figures may be suggested subject to reports and quotations.

4.0 The Valuation and Reinstatement Cost 4.1 The Report contains our opinion on both of the Market

Value of the Property and of the Reinstatement Cost, as defined below.

4.2 “Market Value” is the estimated amount for which a property should exchange on the date of valuation between a willing buyer and a willing seller in an arm’s-length transaction after proper marketing wherein the parties had each acted knowledgeably, prudently and without compulsion.

In arriving at the opinion of the Market Value, we will make various standard assumptions. For example: vacant possession will be provided; tenure will be feuhold; that all required, valid planning permissions and

statutory approvals for the buildings and for their use, including any extensions or alterations, have been obtained and complied with;

the property is not subject to any unusual or especially onerous restrictions, encumbrances or outgoings and that good title can be shown;

that no deleterious or hazardous materials or techniques have been used, that there is no contamination in or from the ground, and it is not landfilled ground;

the property and its value are unaffected by any matters which would be revealed by a Local Search or by a Statutory Notice and that the property use is lawful;

for new property the valuation assumes successful completion and that the builder is a registered member of the NHBC or Zurich Municipal Mutual.

In the case of flats, the following further assumptions are made that: there are rights of access and exit over all communal

roadways, corridors, stairways etc. and to use communal grounds, parking areas and other facilities;

there are no particularly troublesome or unusual legal restrictions;

there is no current dispute between the occupiers of the flats, or any outstanding claims or lawsuits; and the costs of repairs to the building are shared among the co-proprietors on an equitable basis.

Any additional assumption, or any found not to apply, is reported.

4.3 RICS Day One ‘Reinstatement Cost’ is an estimate for insurance purposes of the total cost of rebuilding all buildings and site works as new-build at the date of assessment, retaining the properties existing form and materials; insofar as the design, specification and materials would require to change in order to comply with Building Standards and statutory requirements current at the date of assessment. This includes the cost of rebuilding the garage, boundary/retaining wall and permanent outbuildings, site clearance and professional fees, but excludes VAT (except on fees).

4.4. Our report is private and confidential to you in the context supplied and no responsibility is accepted to any third party (whether notified to us or not) for the whole nor any part of its content. However, in line with local Scottish practice we reserve the right to make the report available to other parties and, if requested, to their lending institutions.

A FULL COPY OF THE SPECIFICATION FOR RESIDENTIAL MORTGAGE VALUATION IS AVAILABLE FROM THIS OFFICE ON REQUEST.

 

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Property address

12/1 Calder Grove

Edinburgh

EH11 4NA

Seller(s) Mr Denis Carrigan

Completion date of property questionnaire

26th July 2016

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2

Note for sellers

Please complete this form carefully. It is important that your answers are correct.

The information in your answers will help ensure that the sale of your house goes smoothly. Please answer each question with as much detailed information as you can.

If anything changes after you fill in this questionnaire but before the date of entry for the

sale of your house, tell your solicitor or estate agent immediately.

Information to be given to prospective buyer(s)

1. Length of ownership

How long have you owned the property? Since 2001 – 15 years

2. Council tax

Which Council Tax band is your property in? (Please tick one)

A B C D E F G H

3. Parking

What are the arrangements for parking at your property?

(Please tick all that apply)

Garage

Allocated parking space

Driveway

Shared parking

On street

Resident permit

Metered parking

Other (please specify):

4. Conservation area

Is your property in a designated Conservation Area (that is an area of special architectural or historical interest, the character or appearance of which it is desirable to preserve or enhance)?

Yes

No

Don’t know

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3

5. Listed buildings

Is your property a Listed Building, or contained within one (that is a building recognised and approved as being of special architectural or historical interest)?

Yes

No

6. Alterations/additions/extensions

a. (i) During your time in the property, have you carried out any structural alterations, additions or extensions (for example, provision of an extra bath/shower room, toilet, or bedroom)?

If you have answered yes, please describe below the changes which you have made:

Yes

No

(ii) Did you obtain planning permission, building warrant, completion certificate and other consents for this work?

If you have answered yes, the relevant documents will be needed by the purchaser and you should give them to your solicitor as soon as possible for checking.

If you do not have the documents yourself, please note below who has these documents and your solicitor or estate agent will arrange to obtain them:

Yes

No

b. Have you had replacement windows, doors, patio doors or double glazing installed in your property?

If you have answered yes, please answer the three questions below:

Yes

No

(i) Were the replacements the same shape and type as the ones you replaced?

Yes

No

(ii) Did this work involve any changes to the window or door openings?

Yes

No

(iii) Please describe the changes made to the windows doors, or patio doors (with approximate dates when the work was completed):

Please give any guarantees which you received for this work to your solicitor or estate agent.

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4

7. Central heating

a. Is there a central heating system in your property?

(Note: a partial central heating system is one which does not heat all the main rooms of the property —

the main living room, the bedroom(s), the hall and the bathroom).

If you have answered yes or partial – what kind of central heating is there?

(Examples: gas-fired, solid fuel, electric storage heating, gas warm air).

Gas fired central heating

If you have answered yes, please answer the three questions below:

Yes

No

Partial

(i) When was your central heating system or partial central heating system installed?

Replacement boiler 2013. Original boiler and heating 2001.

(ii) Do you have a maintenance contract for the central heating system?

If you have answered yes, please give details of the company with which you have a maintenance contract:

Yes

No

(iii) When was your maintenance agreement last renewed? (Please provide the month and year).

8. Energy Performance Certificate

Does your property have an Energy Performance Certificate which is less than 10 years old?

Yes

No

9. Issues that may have affected your property

a. Has there been any storm, flood, fire or other structural damage to your property while you have owned it?

Yes

No

If you have answered yes, is the damage the subject of any outstanding insurance claim?

Yes

No

b. Are you aware of the existence of asbestos in your property?

If you have answered yes, please give details:

Yes

No

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5

10. Services

a. Please tick which services are connected to your property and give details of the supplier:

Services Connected Supplier

Gas or liquid petroleum gas Yes Scottish Power

Water mains or private water supply

Yes Edinburgh District Council

Electricity Yes Scottish Power

Mains drainage Yes Edinburgh District Council

Telephone Yes Service subject to your contract with providers

Cable TV or satellite

Broadband Cables and wires are in place

b. Is there a septic tank system at your property?

If you have answered yes, please answer the two questions below:

Yes

No

(iv) Do you have appropriate consents for the discharge from your septic tank?

Yes

No

Don’t Know

(v) Do you have a maintenance contract for your septic tank?

If you have answered yes, please give details of the company with which you have a maintenance contract:

Yes

No

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6

11. Responsibilities for shared or common areas

a. Are you aware of any responsibility to contribute to the cost of anything used jointly, such as the repair of a shared drive, private road, boundary, or garden area?

If you have answered yes, please give details:

Yes

No

Don’t Know

b. Is there a responsibility to contribute to repair and maintenance of the roof, common stairwell or other common areas?

If you have answered yes, please give details:

Recently repaired roof

Yes

No

Not applicable

c. Has there been any major repair or replacement of any part of the roof during the time you have owned the property?

Yes

No

d. Do you have the right to walk over any of your neighbours’ property — for example to put out your rubbish bin or to maintain your boundaries?

If you have answered yes, please give details:

Yes

No

e. As far as you are aware, do any of your neighbours have the right to walk over your property, for example to put out their rubbish bin or to maintain their boundaries?

If you have answered yes, please give details:

Yes

No

f. As far as you are aware, is there a public right of way across any part of your property? (public right of way is a way over which the public has a right to pass, whether or not the land is privately-owned.)

If you have answered yes, please give details:

Exit door from the building is next to entrance to the property for communal use

Yes

No

12. Charges associated with your property

a. Is there a factor or property manager for your property?

If you have answered yes, please provide the name and address, and give details of any deposit held and approximate charges:

Edinburgh Council managed the replacement roof

Yes

No

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b. Is there a common buildings insurance policy? Yes

No

Don’t Know

If you have answered yes, is the cost of the insurance included in your monthly/annual factor’s charges?

Yes

No

Don’t Know

c. Please give details of any other charges you have to pay on a regular basis for the upkeep of common areas or repair works, for example to a residents’ association, or maintenance or stair fund.

None

13. Specialist works

a. As far as you are aware, has treatment of dry rot, wet rot, damp or any other specialist work ever been carried out to your property?

If you have answered yes, please say what the repairs were for, whether you carried out the repairs (and when) or if they were done before you bought the property.

Yes

No

b. As far as you are aware, has any preventative work for dry rot, wet rot, or damp ever been carried out to your property?

If you have answered yes, please give details:

Yes

No

c. If you have answered yes to 13(a) or (b), do you have any guarantees relating to this work?

If you have answered yes, these guarantees will be needed by the purchaser and should be given to your solicitor as soon as possible for checking. If you do not have them yourself please write below who has these documents and your solicitor or estate agent will arrange for them to be obtained. You will also need to provide a description of the work carried out. This may be shown in the original estimate.

Guarantees are held by:

Yes

No

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14. Guarantees

a. Are there any guarantees or warranties for any of the following:

No Yes Don’t know

With title deeds Lost

(i) Electrical work

(ii) Roofing

(iii) Central heating

(iv) National House Building Council (NHBC)

(v) Damp course

(vi) Any other work or installations? (for example, cavity wall insulation, underpinning, indemnity policy)

b. If you have answered ‘yes’ or ‘with title deeds’, please give details of the work or installations to which the guarantee(s) relate(s):

c. Are there any outstanding claims under any of the guarantees listed above?

If you have answered yes, please give details:

Roof is being repaired due to leaks since it was replaced

Yes

No

15. Boundaries

So far as you are aware, has any boundary of your property been moved in the last 10 years?

If you have answered yes, please give details:

Yes

No

Don’t know

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16. Notices that affect your property

In the past three years have you ever received a notice:

a. advising that the owner of a neighbouring property has made a planning application?

Yes

No

b. that affects your property in some other way?

Yes

No

c. that requires you to do any maintenance, repairs or improvements to your property?

Yes

No

If you have answered yes to any of a–c above, please give the notices to your solicitor or estate agent, including any notices which arrive at any time before the date of entry of the purchaser of your property.

Declaration by the seller(s)/or other authorised body or person(s)

I/We confirm that the information in this form is true and correct to the best of my/our knowledge and belief.

Signature(s) : Denis Carrigan

Karen Carrigan

Date: 26th July 2016